This home is in Jacksonville.
$444,000Sold4 bd · 3 ba · 2,566 sq ft
Sold·Closed Sep 30, 2026·3 days on market·Recent sales in Jacksonville
3806 Hammock Bluff Drive
Jacksonville, FL 32226
About this home
Jacksonville
This terrific home is a near perfect example of the reason Jacksonville's Northside has become one of the First Coast's hottest growth corridors. Minutes to downtown; even less to the airport and the shopping and dining of River City Marketplace. The myriad of activities (kayaking, fishing, hiking, pickleball, picnicking) at William F. Sheffield Regional Park is 4 minutes away. And this spectacular home sits at the very end of a very private cul-de-sac in North Hammock. It enjoys the privacy and park that make this subdivision sought after. Finishes inside have been upgraded since construction and are impeccable. The garage achieved year-round man cave status with the shark coatings floor and, privacy screen. Bring your tools!
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,737 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 6 mi · 35 parking spaces
Closest park or preserve
Betz-Tiger Point Preserveabout 4 mi · 4.3 mi of trails
Closest public boat ramp
Holly Point Boat Rampabout 5 mi · Nassau River
Closest kayak & paddleboard launch
Betz – Tiger Point Preserve Edwards Creek Day Use Area Kayak Launchabout 4 mi · Edwards Creek
Closest youth league fields
William F. Sheffield Regional Parkabout 0.6 mi · Baseball, Football, Softball
Closest grocery store
Publixabout 2 mi · 12541 Yellow Bluff Rd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,122/yr
Estimated taxes if purchased at asking price: ~$8,700/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 2, 2026Closed$442,000
- Aug 18, 2026Active Under Contract$442,000
- Aug 14, 2026Listed$442,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $172/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12622 Pine Marsh Way, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2026 | $381,000 | $139 | 4/2.5 | 2,737 | 393 | 0.5 |
| 13530 Teddington Lane, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $362,500 | $181 | 3/2 | 2,001 | 16 | 0.8 |
| 4174 Victoria Lakes Drive W, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $476,000 | $172 | 5/3 | 2,766 | 3 | 0.9 |
| 12264 Sacha Road, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $324,232 | $171 | 4/2 | 1,895 | 298 | 1.1 |
| 13781 Victoria Lakes Drive, Jacksonville, FL 32226Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Oct 2026 | $438,000 | $195 | 3/2.5 | 2,250 | 5 | 1.2 |
| 4559 Haystack Court, Jacksonville, FL 32226Listed by SOMEDAY HOMES REALTY, LLC. | Oct 2026 | $450,000 | $163 | 4/3.5 | 2,769 | 47 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Sold by: TPR REAL ESTATE GROUP INC (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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